Select how often (in days) to receive an alert: Senior Associate Division: InstitutionalLocation: Brisbane, Adelaide and Perth About Us At ANZ, we're shaping a world where people and communities thrive, driven by a common goal: to improve the financial wellbeing and sustainability of our customers. Our Institutional bank helps our largest customers move trade and capital around the region, providing our people with great opportunities to build their technical expertise and their careers. About the Role We are seeking a highly motivated Senior Associate with critical thinking abilities to join our team. As part of the Research & Analysis team you will be a member of a customer-facing team that structures lending solutions for corporate customers. You will work closely with customers to understand their financial needs, analyze their financial data, and provide strategic recommendations. Through deep client/industry understanding underpinned by high-quality analysis, the role helps capture valuable business opportunities and in identifying and effectively managing emerging risks.You will be part of a fast-paced and dynamic working environment with lots of learning opportunities to develop deep knowledge of corporate finance fundamentals. You will be coaching junior analysts in the team and exercising your approval discretions on transactions.The ideal candidate is curious, a critical thinker, a problem solver, values-driven, and has strong interpersonal abilities to effectively understand and communicate complex financial concepts to stakeholders.Banking is changing and we're changing with it, giving our people great opportunities to try new things, learn and grow. Whatever your role at ANZ, you'll be building your future while helping to build ours.Role Type: PermanentRole Location: Brisbane / Adelaide / PerthWork Hours: Full time What will your day look like? The Senior Associate, Research & Analysis role works directly with the Client, Credit Risk Executive, and Relationship Management team to complete the broader credit assessment function and ensure an optimal 'well-managed' portfolio. The portfolio covers a broad range of industry sectors comprising large privately-owned companies, multinational subsidiaries, and small/mid-size listed companies.You will be responsible for managing a portfolio of Corporate Banking clients across a broad range of industries. This involves responsibility for identifying and effectively managing risks inherent in the client's business model, industry, capital & management structure, and historical & forecast financial performance. Client interaction relating to transaction execution and day-to-day account management is core to the position.The primary activities of the role cover:Sound credit assessment including client performance evaluation, business model risk evaluation & mitigation strategies, and proactive account managementDevelopment of credit strategy for organic growth opportunities, new-to-bank transactions, and/or deteriorating credit profiles including deal structuring and executionConducting financial modeling & analysis in tandem with client & industry researchLiaise with clients and Credit Risk executives on risk and financial performance related matters, including covenant compliance and risk grade review eventsLiaise with Product Partners to appropriately implement customer solutionsExercise Credit Approval Discretion on lending decisionsProactive management of a well-managed portfolioMentoring and coaching team membersYou will be supported by the Associate Director and Director (Research & Analysis) to support your learning and development. What will you bring? To be successful in this role, you will ideally have skills, knowledge, and experience in the following:Demonstrated financial analysis skills going beyond traditional accounting-based analysis to provide deep industry insightSound credit skills with the ability to identify key business drivers and mitigate key risksExcellent analytical and problem-solving skills with the ability to think critically and provide actionable recommendationsAbility to work independently and manage multiple client engagements simultaneously with strong customer focusExperience in customer management and broad knowledge of banking processes and proceduresTertiary qualifications, preferably in Commerce, Business, Accounting or EconomicsSound communication, interpersonal and negotiating skills So why join us? From the moment you join ANZ, you'll be doing meaningful work that will shape a world where people and communities thrive.But it's not just our customers who'll feel your impact. You'll feel it too. Because at ANZ, you'll have the resources, opportunities, and support you need to take the next big step in your career.We're a diverse bunch at ANZ in different roles, different locations, doing different things. That's why we have a range of flexible working arrangements, so our people can 'make work, work for them'. We also provide a range of benefits including access to health and wellbeing services and discounts on selected products and services from ANZ and more.At ANZ, you'll be part of an organization where the different backgrounds, perspectives, and life experiences of our people are celebrated. That's because we're committed to building a workplace that reflects the diversity of the communities we serve. We welcome applications from everyone and encourage you to talk to us about any adjustments you may require to our recruitment process or the role itself. If you're a candidate with a disability or access requirement, and have an inquiry about the support provided, please let us know on your application or visit ANZ Accessibility and Inclusion Programs for alternate contact methods.To find out more about working at ANZ, visit You can apply for this role by visiting ANZ Careers and searching for reference number 81776. Job Posting End Date